Depends on individual circumstances. A frequent traveller would benefit from the DTV, as the 180 day stamp would suit. I know in my case I never have to file a 90-day report. To be able to travel unhindered for five years for a paltry 10,000 baht, with no financial requirement in Thailand, no compulsory insurance and no re-entry permit required, the visa actually pays for itself. I agree that those choosing to remain in the country the LTR visa is the better option. As a retiree I'll be switching to DTV, and I know five other friends also thinking of doing the same. I've never spoken in favour of the elite visa so I'm not sure where you're going with that!
Why would anyone pay 50,000 baht when they can get one for 10,000 baht? The LTR actually failed, so the Thai government is now issuing a diluted version..
DTV is obtained overseas so they're out of reach of scamming visa agents. Just make sure you get your DTV from your home embassy with zero "assistance" from a agent
You must leave at some point. You get the extension for 180 days at an immigration office, but then you must leave after that. If you don't wish to leave at all you're probably better getting the LTR visa